Our Products : Personal Accident Insurance

Overview

Personal Accident policies are designed to provide compensation to the Insured in the event of an accident caused by violent external and forcible means, resulting in bodily injury (death or disablement) subject to policy exclusions. Personal Accident policies are benefit policies. Policies can be arranged for an individual life or on a group basis by employers, corporations , clubs and the like.

We have several Personal Accident plans designed to meet the specific needs of our clients.

No.	Type of Personal Accident Policy	Coverage/Benefits covered
1	Flexi PA Partner	24 hours worldwide cover. The benefits available under this policy are: a. Death b. Total/Partial Permanent Disablement c. Temporary Total/ Partial Disablement d. Medical Expenses e. In addition this policy pays: i. 10% renewal bonus up to 3 yrs provided no claim has been incurred ii. Funeral allowance/repatriation expenses of 3% of the capital Sum insured or maximum RM3,000 in the event of death due to a covered accident.

2	Group Personal Accident	24 hours worldwide covered. The benefits covered under this policy are a. Death b. Total/Partial Permanent Disablement c. Temporary Total/Partial Disablement d. Medical Expenses e. Hospital Income f. In addition this policy pays other benefits (subject to policy conditions) such as: i. Burial allowance ii. Repatriation Expenses iii. Hospital allowance

3	Individual PA Partner	24 hours worldwide cover. There are several plans available under this product. The benefits available under this plan are: Section I a. Death & Permanent Disablement b. Medical Expenses c. Ambulance Fees d. Bereavement allowance e. Hospital Income f. Repatriation Expenses g. Rehabilitation Allowance h. Travel Allowance i. Renewal Bonus j. Double Indemnity Section II Personal Liability (Territorial Limit : Malaysia and temporary visits worldwide where it is permitted to travel by the Govt. of Malaysia) Note : Section I (j) and Section II are optional covers.

4	Family PA Partner	24 hours worldwide cover. There are 4 plans available under this product. The benefits covered under this plan are: Section I a. Death & b. Permanent Disablement c. Medical Expenses d. Ambulance Fees e. Bereavement allowance f. Hospital Income g. Repatriation Expenses h. Rehabilitation Allowance i. Purchase of Orthopedic Equipment j. Travel Allowance k. Renewal Bonus l. Double Indemnity Section II Personal Liability (Territorial Limit : Malaysia and temporary visits worldwide where it is permitted to travel by the Govt. of Malaysia) The benefits for child(ren) shall be restricted to benefits a, b, c and l of Section 1 only.

5	Traveller’s Personal Accident	This is a Personal Accident cover for a short period covering the intended journey. The benefits available under this policy are: a. Death & Permanent Disablement b. Temporary Total Disablement – benefit payable 0.2% of Sum Insured or RM200 maximum per week c. Temporary Partial Disablement – benefit payable 0.075% of Sum Insured or RM100 maximum per week d. Medical Expenses

6	Drivesafe Personal Accident	Provides Personal Accident benefits resulting from accidental bodily injury to the driver and/or passenger driving or riding as a passenger and/or boarding or alighting from a specified vehicle. The benefits available under this policy are: a. Death and Permanent Disablement b. Medical Expenses

7	Travel Partner	Special features: a. Comprehensive and wide coverage (including terrorism) b. Age limit up to 80 years old c. 24 hours worldwide Tokio Marine Assistance for Medical and Travel Assistance d. Helpline No: 603-2716 8981 Benefits 1. Death and Permanenet Disablement 2. Burial, Cremation or Repatriation Expenses 3. Medical expenses including post hospitalisation, compassionate care, child care and emergency medical evacuation expenses 4. Hospital Allowance 5. Personal luggage and Personal Effects 6. Luggage Delay 7. Personal Money and Travel Documents 8. Cancellation (Loss of Deposits) 9. Curtailment 10. Travel Delay 11. Missed Departure 12. Flight Misconnection 13. Overbooked Flight 14. Hijacking Inconvenience 15. Home Care Benefit 16. Personal Liability 17. 24-hour Worldwide Assistance for Medical and Travel Assistance 18. Loss of Travel Deposits/Travel Package Payment

8	Domestic Travel Partner	Overview The Domestic Travel Partner is designed to cover journey within Malaysia. Malaysia shall mean Peninsular Malaysia, Sabah, Sarawak and Federal Territory of Labuan. Special Features a. Plans available i.e. Individual Plan and Family Plan b. Age limit up to 80 years old c. Terrorism & Hijacking covered Benefits 1. Death and Permanent Disablement 2. Medical expenses including post hospitalization 3. Hospital Income 4. Personal Luggage and Personal Effects 5. Travel Delay